daisydonna
Full Member
Posts: 265
Sept 5, 2015 11:45:16 GMT
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Post by daisydonna on Jun 11, 2016 13:49:24 GMT
Sounds like he wasn't enrolled during open enrollment. The only way to add him now is if there was a qualifying event (he lost coverage elsewhere, divorce etc).
As I understand it u can continue to cover him until age 26 even if he is married. You cannot cover his spouse if/when he gets married.
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Deleted
Posts: 0
Oct 7, 2024 9:35:45 GMT
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Post by Deleted on Jun 11, 2016 20:43:54 GMT
"When an employee makes a voluntary choice to drop dependents from the health insurance plan during open enrollment, there is no qualifying event that would trigger COBRA eligibility. - See more at: www.shrm.org/templatestools/hrqa/pages/voluntarilydroppingdependentsduringopenenrollment.aspxMost employers will do some verification if a dependent is dropped or not enrolled to check, but it is not required that they do so. No COBRA notification goes out because dropping a dependent is not a qualifying event. Here are the qualifying events to trigger COBRA for a dependent per that article: "Qualifying events for dependent children: Loss of dependent child status under the plan rules. Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct. Reduction in the hours worked by the covered employee. Covered employee’s eligibility for Medicare. Divorce or legal separation of the covered employee. Death of the covered employee."
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Post by 2peafaithful on Jun 11, 2016 22:03:22 GMT
I'm surprised that he didn't receive a COBRA letter when he was dropped from the coverage. We (deliberately) dropped our adult son in January when he graduated from Navy Boot Camp because he was covered by military healthcare and he received at least two letters letting him know he was dropped and how to sign up for COBRA. I sure wish he had. Maybe because he wasn't re-enrolled he didn't get one? I don't know.
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Post by 2peafaithful on Jun 11, 2016 22:04:20 GMT
"When an employee makes a voluntary choice to drop dependents from the health insurance plan during open enrollment, there is no qualifying event that would trigger COBRA eligibility. - See more at: www.shrm.org/templatestools/hrqa/pages/voluntarilydroppingdependentsduringopenenrollment.aspxMost employers will do some verification if a dependent is dropped or not enrolled to check, but it is not required that they do so. No COBRA notification goes out because dropping a dependent is not a qualifying event. Here are the qualifying events to trigger COBRA for a dependent per that article: "Qualifying events for dependent children: Loss of dependent child status under the plan rules. Voluntary or involuntary termination of the covered employee's employment for any reason other than gross misconduct. Reduction in the hours worked by the covered employee. Covered employee’s eligibility for Medicare. Divorce or legal separation of the covered employee. Death of the covered employee." Thanks good to know. Sucks but we will deal with it and so will he.
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Deleted
Posts: 0
Oct 7, 2024 9:35:45 GMT
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Post by Deleted on Jun 12, 2016 1:17:04 GMT
You are welcome! I know it stinks, but IRS Section 125 pretax regulations are what control those qualifying events to move off or onto a pretax employer health plan outside of open enrollment. I am sure your DH feels so bad! And unfortunately there is nothing the employer or HR can do to make an exception as it can possibly bring the whole health plan out of tax compliance which means all premiums for all employees would be 100% taxable (rather than 0% taxable).
The health insurance carriers won't allow on/offs either -- I suspect because of what a nightmare that would be..
I do wish health insurance would go to free market across state lines and move away from employer/Section 125 rules. Just let people take that deduction on their taxes to get any taxes paid returned......but that's been my stance ever since "they" started talking about health care/insurance reform.
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